B (4:48)
Oh, that is a really thought provoking one. Holy cow. Interestingly, and you could have not possibly known this, so Dr. Bobby, who's been on our show a number of times, he actually sent me an email for an idea for an episode and it was precisely on this. It was longevity and your impact on your fine number, I kid you not, because it's crazy. We're recording this at the end of March and I'm going on vacation with my girls and then Aaron and I are going to Japan for three weeks. So we're not going to record that until May, but that's a to be continued. So that'll come out in June. So I'm actually curious to hear what Dr. Bobby, who's a fantastically knowledgeable physician, has to say on this. But that episode with David Sinclair, and similar to you, I followed him for years. You never know with cutting edge science, right? Like, it's easy to say that we're going to get an extra 20 or 30 years. I mean, I'm not 100% certain. I mean, he's not 100% certain that that's going to be the case. But that all said, I look at my parents who are in their 70s, and I look at myself, who's now 46, and I'm like, I'm in pretty good shape. I think there's a reasonable likelihood I'm going to live into my 80s, 90s, or 1/ hundreds even. And it's funny, Ginger, as you're asking this, I'm thinking both of the money, but of the health part too, right? It's like the advent of AI is going to have a significant impact on longevity. And this is just a guess, of course, but I mean, the amount of, of shortcutting of research that AI can help do on finding cures for things, I think it's unfathomable. I know Aaron and I have been using AI to create actually, interestingly, a health app. And this is something I'll talk about in the coming months. We're not there yet, but I mean, just using AI, it is staggering. I don't know how much familiarity you have with different AI tools, but yeah, she's been using Claude code and it's basically like having the 10 best junior developers in the entire world on staff for you and like you as the human, just basically interface between them. And it's astonishing. I mean, it's like having millions of dollars worth of payroll for a 20 or $100 a month subscription. It's crazy. So I've seen a lot of talk now about clinical trials getting sped up and such, because AI can work through things and can find things that would take humans ten times, a hundred times, a thousand times as long to figure out. So I'm super excited for that. I Mean, obviously there are some potential real significant negatives of AI, let's be clear. But I think there's a lot of real significant upside as well. That's a very long way of saying, I think there's a reasonable likelihood that either AI or like this David Sinclair is talking about, and he's a Harvard professor and he talks about the information theory of aging is how he looks at it. And he's talking about essentially resetting cells. And he talked in animal models how they've had significant benefit doing this with the eye. You can basically reset some of the age related things. Like, I know I actually just got the old personalized the presbyopia, the basically needing bifocals. So I didn't think aging was coming for me, honestly, Ginger, but now I'm seeing it in real time. So to actually get to the heart of your question, I think practically for most of us, we are so conservative with our FI numbers and with our withdrawal rates that our money, barring a zombie apocalypse or an AI apocalypse, our money's going to last in perpetuity, whether you live to 90 or you live to 190. I think that's just the reality. Like most of us are at like a 3% withdrawal rate when 4% is the number that we normally use. Brilliant people like Frank Vasquez and Aubrey Williams talk about high 4% withdrawal rates or potentially 5% safe withdrawal rates. So for me, I am not overly concerned. I'm thrilled for living longer. And I don't think my money is going to run out, I'm pretty sure, because again, like, even I, who talk about this all the time, like about being overly conservative to the negative side of like not counting Social Security and bumping up your fine number and then lowering your expected return all to have a safe number. And also, frankly, Ginger, I don't spend that much. Like, I have a decent net worth and I don't spend 4% of that every year. And I'm living the best life I could possibly imagine. So I'm not like depriving myself in any way. So yeah, I think practically we're all probably going to be okay. But that does kind of like skirt around your actual question. Like I can't run the numbers off the top of my head, of course, but, you know, smarter people than I can. And yeah, it might be interesting to run through that. But anyway, where do you come down on this? What do you think? And obviously this was top of mind that you brought it up first thing.